Often the family budget is a source of conflict. Most of the time, the main support is in the final financial decision, that n is not always very welcome for the rest. Since the money is an intrinsic part of family life, families need to reach agreement on this aspect. There is a four-step cycle in the budgeting of family money to keep the peace and harmony.
1. Set your priorities.
Different priorities to the objectives. These are aspects of the life of your family that you, as a family, we want to put the emphasis on, for example health or children's future. If goals are specific objectives that support priorities.
In setting priorities, do not set too because it is counter-productive. Ideally, there should be that one, but because life n is not ideal for 2 to 3 are reasonable.
As priorities are established and accepted, to write. Post the paper where everyone can see them to remind them of what your family focuses on the years to come.
2. List your goals.
Once the family has installed and d agree on priorities, the next step is to set goals. Objectives are specific and measurable terms which, once completed, will support the priorities.
By setting goals, setting a goal that is both challenging yet achievable. A 10-15% of family income is a good target savings for future education of child: stretching still accessible.
Try to keep your family in setting goals by priority 1-2, to stay the course.
3. Working on your goals.
After defining your priorities and goals, begin to live by them. All family activities will be geared towards working with your goals. Monitor progress, particularly on financial goals, to using income and expense tracking tool. The simplest is get a notebook and list down all expenses and revenues and establish a budget for future spending. There are those who invest in software or an accountant in the family. Be that it may, the important is have a system of performance monitoring of the family to achieve their goals.
4. Assess your family life.
At some point in time when you feel as if it was the time evaluate your life, check how your family is doing against objectives. Goals that were obtained can be checked in the list, and news can be made.
Sometimes major changes, such as a career change, or when a family member s true, it may be time to reassess priorities. When such time comes, then the cycle begins again, just like what it s acts: life!
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